Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It implies a read-only operation via 'get', but does not disclose whether the response is a list, how balances are denominated, or any pagination/rate-limit considerations. It is clear but lacks behavioral nuance.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.